Bernice Chau

  • Sr. Loan Officer
  • NMLS: 245002 CAL DRE# 01300642
  • (415) 412-5363
  • 3327 Castro Valley Blvd.
  • Castro Valley, CA 94546

As a lender who has been in the business since 1999, I enjoy helping clients choose a solid loan program that is just right for your needs. Whether this is your first home loan, your last, a loan for an investment property or a vacation home, or need to refinance, I would be honored to be your Senior Loan Officer.

Clients can rely on my experience, education, knowledge, and market research to choose a loan that fits their needs now and in the future without feeling pressured to commit.

Our first step is to discuss your needs and for me to share the loan programs that are out there for you. I understand securing a loan can often be a daunting process, but it is my goal to provide you with an experience that answers your questions, eases your mind, and allows you to feel secure in choosing a home loan that fits within your budget and your situation.

Concerned about the different loan choices? Let me explain the benefits of each and assess what makes the most sense for you and your family.

Not sure whether paying points makes sense? We can crunch the numbers together and I can show you how this might impact your finances.

Confused about the process, timing, what paperwork needs to be submitted? Let me ease the burden with guidance and trust that I can ease you through the process.

Self-employed? Recent job or family-life change? Circumstances that might cause you to worry about qualifying? I am a great listener who has experienced clients with many of your same situations and will be happy to listen with patience and without judgment.

Equal Housing Lender. Contact me at bernice@bayareafunding.com.

Choosing the Best Mortgage Options for Unique Circumstances
Choosing the Best Mortgage Options for Unique Circumstances
Nov 24 2022   first time buyer first home first mortgage home loan apply for a first home loan
Not all loan products are the same, nor are borrower situations. For first-time homebuyers, you’ll most likely hear about the most popular 30-year fixed-rate conventional loan, and there’s no arguing that it's a great loan product for... Read More
10 Things to Check Before Buying in a New Neighborhood
10 Things to Check Before Buying in a New Neighborhood
Nov 16 2022   first time buyer first home first mortgage home loan apply for a first home loan
If you plan on buying a new house, you should thoroughly research the property that meets your needs. But you shouldn’t only be diligent about the house-hunting part during your research. You would also like to know more about the neighborhood... Read More
Add Instant Curb Appeal With These Ideas
Add Instant Curb Appeal With These Ideas
Nov 9 2022   first time buyer first home home improvement home loan apply for a first home loan
Does your house need curb appeal? Making your home’s exterior more attractive is a wonderful and fast way to add value to it, but it also makes it more welcoming, stylish, and personalized.  So whether you’re thinking about selling... Read More
Thinking About Relocating? How to Choose Where to Live
Thinking About Relocating? How to Choose Where to Live
Nov 2 2022   first time buyer first home first mortgage home loan apply for a first home loan
You need to consider and prioritize many factors when deciding on a place to relocate. Your home location will significantly impact your commute time and the quality of life for you and your loved ones. Some things you must consider are more apparent... Read More

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